• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Debt Collection Agencies MRS BPO, LLC

How to Remove MRS BPO, LLC from Your Credit Report

Credit report showing MRS BPO, LLC collection account

At a glance

  • MRS BPO, LLC is a debt collection agency based in Cherry Hill, New Jersey.
  • We'll discuss what they do, what your rights are, and how to get them off your credit report.
  • MRS BPO, LLC is likely hurting your credit score.

Get expert help. Call now to remove MRS BPO, LLC from your credit report.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Victoria Scanlon

May 31, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is MRS BPO, LLC?
  2. Who does MRS BPO, LLC collect for?
  3. Is MRS BPO, LLC a scam?
  4. How to stop MRS BPO, LLC from calling you
  5. How to remove MRS BPO, LLC from your credit report
  6. How to deal with MRS BPO, LLC harassment
  7. Should you pay MRS BPO, LLC?

What is MRS BPO, LLC?

Headquartered in Cherry Hill, NJ, MRS BPO, LLC (also known as MRS Associates) is a debt collection agency that was founded by brothers Saul and Jeff Freedman in 1991. 1 The company collects debt on behalf of various creditors, institutions, and businesses.

MRS BPO, LLC performs the following debt collection services: 2 3 4

  • First- and third-party collections
  • Pre-charge-off and post-charge-off collections
  • Early-out services
  • Letter sending
  • Skip tracing
  • Credit bureau reporting

What is MRS Pay?

MRS Pay is the payment portal for MRS BPO, LLC. The link to this portal is included in the company contact information below.

All of the following names also refer to MRS BPO (both on your credit report and elsewhere):

  • MRS Associates
  • MRS and Associates
  • MRS Associates NJ
  • MRS Collections
  • MRS Company
  • MRS Pay
  • MRSassociates

Who does MRS BPO, LLC collect for?

MRS BPO, LLC collects commercial and consumer debts on behalf of agencies and businesses in various industries.

Specifically, they collect debt for the following types of companies and agencies: 5

  • Marketing and fintech companies
  • Financial service companies
  • Auto lenders
  • Government agencies
  • Student loan providers
  • Telecommunication providers
  • Utility companies
  • Healthcare providers

Is MRS BPO, LLC a scam?

No, MRS BPO, LLC isn’t a scam. They’re a legitimate debt collection agency. They’re accredited by the Better Business Bureau (BBB) and hold memberships with ACA International and ​​the Receivables Management Association International (RMAI). 6 7 8

However, this doesn’t mean that they’ll always behave ethically. Like many debt collection agencies, MRS BPO has been sued in the past and found guilty of violating consumer rights. 9

What’s more, scammers may pose as representatives from MRS BPO, LLC to trick you into paying them. For this reason, it’s important to always verify the validity of any debts you’re contacted about before you make any payments. To do so, contact MRS BPO, LLC directly using their online contact form or the contact information below.

MRS BPO LLC Contact Information

If you want to remove MRS BPO LLC from your credit report, write to their address:

 

MRS BPO Logo

Address: 1930 Olney Ave
Cherry Hill, NJ 08003
Phone Number: (888) 334-5677
Website: portal.mrsbpo.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

VIDEO: MRS BPO, LLC in 2 Minutes—Fix Your Credit Report & Know Your Rights

How to stop MRS BPO, LLC from calling you

MRS BPO, LLC will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.

Unfortunately, MRS BPO, LLC representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).

Don’t ignore debt collectors like MRS BPO, LLC—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.

To begin, you can get MRS BPO, LLC to stop calling you—at least temporarily—by sending them something called a debt verification letter.

Send a debt verification letter

A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that MRS BPO, LLC should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.

Debt Verification Letter Template

Debt Verification Letter

Use this debt verification letter template if MRS BPO, LLC has contacted you about a debt and you want to dispute it. If you send this within 30 days, they're legally obligated to respond with evidence of the debt and can't contact you until they do.

Build My Letter Now PDF Word

Benefits of sending a debt verification letter

Sending a debt verification letter has three benefits:

  1. You’ll prevent MRS BPO, LLC from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like MRS BPO, LLC are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 10
  2. You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing MRS BPO, LLC to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay.  It’s an easy way of figuring out if the debt collector is a scam agency.
  3. You may successfully disown the debt: If MRS BPO, LLC can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.

Beware the statute of limitations

The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for MRS BPO, LLC to sue you over, at which point it’s known as time-barred debt.

If this is the case, you can send MRS BPO, LLC a letter telling them to stop contacting you. Legally, they’ll have to abide by that.

The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.

How to remove MRS BPO, LLC from your credit report

If your credit score is suffering as a result of MRS BPO, LLC debt, there are three ways to recover:

1. Dispute the debt with all three credit bureaus

If you think that the debt associated with MRS BPO, LLC on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.

To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing MRS BPO, LLC on your credit report.

Credit dispute letter to credit bureau

Credit Dispute Letter

If MRS BPO, LLC is on your credit report by mistake, the credit bureaus have to remove it from your report. Use this credit dispute letter template to file a dispute about MRS BPO, LLC directly with any of the credit bureaus.

Build My Letter Now PDF Word

To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.

2. Negotiate with MRS BPO, LLC

Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing MRS BPO, LLC from your credit report will be very difficult (although not impossible).

Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.

However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove MRS BPO, LLC from your credit report:

  • Pay for delete: You might be able to convince MRS BPO, LLC to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
  • Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send MRS BPO, LLC a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.

If you can’t afford to pay off your debt, try negotiating a debt settlement

If your debt is fairly old, then there’s a chance that MRS BPO, LLC will accept less than the full amount you owe (a practice known as debt settlement) to minimize their losses. You can negotiate a debt settlement with MRS BPO, LLC over the phone or by sending a debt settlement letter.

3. Wait 7 years for MRS BPO, LLC to fall off of your credit report

Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to MRS BPO, LLC, it will remain on your credit report.

Learn more about MRS BPO, LLC’s impact on your credit score:

  • How many points will my credit score increase after I pay off collections?
  • How to rebuild your credit after having a debt sent to collections

How to deal with MRS BPO, LLC harassment

Unless you tell them not to, MRS BPO, LLC will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.

Restrictions on MRS BPO, LLC

When attempting to collect payments from you, MRS BPO, LLC must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.

MRS BPO, LLC representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against MRS BPO, LLC if they do something illegal.

Keep records of letters and phone calls

If you think that MRS BPO, LLC may be violating your rights, then it’s a good idea to record your phone calls, save any letters they send you, and keep records of when they’ve contacted you. This will make things much easier if you need to take legal action against them in the future.

Can I sue MRS BPO, LLC for harassment?

Yes, you can sue MRS BPO, LLC for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. MRS BPO, LLC will also have to pay your attorney fees and court costs.

How to file a complaint against MRS BPO, LLC

If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue MRS BPO, LLC.

Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to MRS BPO, LLC, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take MRS BPO, LLC to court.

Should you pay MRS BPO, LLC?

You should only pay a collection agency like MRS BPO, LLC if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.

Takeaway: MRS BPO, LLC is a legitimate debt collection agency

  • MRS BPO, LLC is a debt collection agency, which means they collect severely delinquent debts that lenders have charged off and transferred or sold.
  • MRS BPO, LLC probably isn’t a scam, but you should make sure to avoid scammers by verifying your debts and only making payments once you're sure they're legitimate.
  • You have rights under the Fair Debt Collection Practices Act that prohibit debt collectors from harassing you. You can sue for harassment, and you won’t need to pay the legal fees if you win.
  • There are several ways of removing MRS BPO, LLC debt from your credit report, but if these approaches fail, then you should consider seeking advice from a credit repair professional.

Other Collection Agencies

  • MRS Associates
  • Modern Adjustment Bureau
  • Monterey Financial Services
  • Mountain Land Collections
  • Mountain Run Solutions
  • National Consumer Group
  • National Credit Adjusters
  • National Credit Control Agency
  • National Credit Systems
  • National Recovery Agency

Article Sources

  1. MRS BPO, LLC. "About" Retrieved May 31, 2022.
  2. MRS BPO, LLC. "Financial Services" Retrieved May 31, 2022.
  3. MRS BPO, LLC. "Student Lending" Retrieved May 31, 2022.
  4. MRS BPO, LLC. "Cable/Telecommunications" Retrieved May 31, 2022.
  5. MRS BPO, LLC. "Homepage" Retrieved May 31, 2022.
  6. Better Business Bureau. "MRS BPO, L.L.C." Retrieved May 31, 2022.
  7. ACA International. "MRS BPO, L.L.C." Retrieved May 31, 2022.
  8. Receivables Management Association International. "Membership Roster as of January 1, 2022" Retrieved May 31, 2022.
  9. United States Court of Appeals for the Third Circuit. "DiNaples v. MRS BPO, LLC et al." Retrieved May 31, 2022.
  10. Federal Trade Commission . "Fair Debt Collection Practices Act" Retrieved December 1, 2021.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.